A Message to Our Members
As part of our commitment to maintaining competitive risk management products and responsibly managing claim costs, we are making an important change to our deductible options.
Effective immediately, the minimum deductible for all new and renewal policies will be $1,000. The $500 deductible is being discontinued.
Why This Change?
In recent years, the frequency and cost of smaller claims, particularly windshield and other minor repair claims, have increased significantly. Insurance is intended to provide protection against unexpected and substantial financial losses. By establishing a $1,000 minimum deductible, we better align coverage with that purpose while helping maintain long-term pricing stability.
What This Means for You
- The minimum deductible on all policies will be $1,000.
- Policies currently carrying a $500 deductible will be updated at renewal.
- Coverage and claims service for covered losses remain unchanged.
- This change helps us focus resources on more significant claims while supporting sustainable rates.